<ARTICLE> 9
<LEGEND>
This schedule contains summary financial information from Form 10-Q and is
qualified in its entirety by reference to such Form 10-Q.
</LEGEND>

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          SEP-30-2000
<PERIOD-END>                               DEC-31-1999
<CASH>                                       5,545,000
<INT-BEARING-DEPOSITS>                         425,000
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                          0
<INVESTMENTS-CARRYING>                      21,043,000
<INVESTMENTS-MARKET>                        20,475,000
<LOANS>                                    252,316,000
<ALLOWANCE>                                  1,650,000
<TOTAL-ASSETS>                             271,173,000
<DEPOSITS>                                 143,765,000
<SHORT-TERM>                                80,536,000
<LIABILITIES-OTHER>                          6,150,000
<LONG-TERM>                                          0
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        30,000
<OTHER-SE>                                  40,692,000
<TOTAL-LIABILITIES-AND-EQUITY>             271,173,000
<INTEREST-LOAN>                              4,516,000
<INTEREST-INVEST>                              291,000
<INTEREST-OTHER>                                97,000
<INTEREST-TOTAL>                             4,904,000
<INTEREST-DEPOSIT>                           1,826,000
<INTEREST-EXPENSE>                           2,935,000
<INTEREST-INCOME-NET>                        1,969,000
<LOAN-LOSSES>                                   49,000
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                              1,250,000
<INCOME-PRETAX>                                813,000
<INCOME-PRE-EXTRAORDINARY>                     813,000
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                   542,000
<EPS-BASIC>                                       0.27
<EPS-DILUTED>                                     0.27
<YIELD-ACTUAL>                                    7.80
<LOANS-NON>                                    299,000
<LOANS-PAST>                                   529,000
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                              4,441,000
<ALLOWANCE-OPEN>                             1,602,000
<CHARGE-OFFS>                                    1,000
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                            1,650,000
<ALLOWANCE-DOMESTIC>                         1,650,000
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0